As of 15 September 2025,UPI new transaction limits 2025 the National Payments Corporation of India (NPCI) has updated some of the UPI transaction limits for various categories. These changes are meant to allow higher-value transactions for certain payments (like insurance, capital markets, etc.) while keeping standard payments safer and regulated. Below, I’ll break down the limits, what’s changed, and what it means for you.
Key Updates at a Glance
| What has changed | Effective Date | Who it affects |
|---|---|---|
| Increased per-transaction & 24-hour aggregate limits for certain categories (e.g. insurance, capital markets, government payments) | 15 September 2025 The Economic Times+2The Economic Times+2 | Users making payments in those categories with verified merchants |
| Standard UPI / Person-to-Person (P2P) limits mostly unchanged | — | All UPI users for everyday transfers NPCI+1 |
Glossary: Key Terms
- Per-Transaction Limit: Maximum amount allowed in a single UPI payment.
- 24-Hour Aggregate / Daily Limit: Total maximum amount you can transact (send) in a 24-hour period.
- Verified Merchant: Merchants that are recognized and verified by NPCI under specific merchant categories.
- Standard Transactions: Common, everyday UPI payments (P2P, small merchants, etc.).
Updated Limits by Category (from 15 September 2025)
Here are the new limits for special categories (verified merchants) vs standard transactions:
| Category | Previous Per-Transaction Limit | New Per-Transaction Limit | New 24-Hour Aggregate Limit |
|---|---|---|---|
| Capital Markets & Investments | ₹2,00,000 | ₹5,00,000 The Economic Times+2The Economic Times+2 | ₹10,00,000 The Economic Times+2The Economic Times+2 |
| Insurance Premiums | ₹2,00,000 | ₹5,00,000 The Economic Times+2The Economic Times+2 | ₹10,00,000 The Economic Times+1 |
| Government e-Marketplace (EMD / Tax Payments) | ₹1,00,000 | ₹5,00,000 The Economic Times+1 | ₹10,00,000 The Economic Times+1 |
| Travel | ₹1,00,000 | ₹5,00,000 The Economic Times+1 | ₹10,00,000 The Economic Times+1 |
| Credit Card Bill Payments & Collections (Loan / EMI) | ₹2,00,000 | ₹5,00,000 The Economic Times+1 | ₹10,00,000 The Economic Times+1 |
| Jewellery | ₹1,00,000 | ₹2,00,000 The Economic Times | ₹6,00,000 The Economic Times |
Standard UPI New Transaction Limits 2025 (General Payments)
These limits apply for most “everyday” UPI usage (P2P, small merchants, etc.):
| Limit Type | Amount / Rules |
|---|---|
| Per-transaction (standard) | ₹1,00,000 Paytm+2NPCI+2 |
| Daily (24-hour) aggregate limit | ₹1,00,000 summed across all such transactions Razorpay+2Cashfree+2 |
| Number of transactions per day | Up to 20 transactions per day for P2P transfers for many banks/apps Cashfree+2TaxBuddy.com+2 |
UPI Apps Transaction Limits (2025)
| UPI App | Per Transaction Limit | Daily Transaction Limit |
|---|---|---|
| PhonePe | ₹1,00,000 | 10 transactions / ₹1,00,000 |
| Google Pay | ₹1,00,000 | 10 transactions / ₹1,00,000 |
| Paytm | ₹1,00,000 | 10 transactions / ₹1,00,000 |
| BHIM App | ₹40,000 – ₹1,00,000* | ₹40,000 – ₹1,00,000* |
| Amazon Pay | ₹1,00,000 | 10 transactions / ₹1,00,000 |
| WhatsApp Pay | ₹1,00,000 | 10 transactions / ₹1,00,000 |
What these changes mean for you
- If you make high-value payments (e.g. to a verified insurance provider, investment in capital markets, or govt. payments), you now have higher flexibility — you can pay more in a single go, or over 24 hours.
- Standard small transfers (like sending money to friends/family or buying from small merchants) still follow the lower limit of ₹1,00,000 / day.
- Always check whether the merchant is “verified” to enjoy higher limits. If not, standard limits will apply.
- For banks / UPI apps: there might be internal policies that set even lower limits — demands / functionality vary by bank.
FAQs
Q1: What is the maximum I can send in one UPI transaction now (for high-value categories)?
- Answer: Up to ₹5,00,000 in one go for verified merchants in categories like insurance, capital markets, credit card bills etc. The Economic Times+2The Economic Times+2
Q2: What is the daily limit for regular UPI users?
- Answer: ₹1,00,000 per day across all standard transactions. Cashfree+1
Q3: Do I need special verification to use higher limits?
- Answer: Yes — typically the merchant or the transaction category must be verified under NPCI rules. Without that, standard limits apply. NPCI+1
Q4: Are there any changes in UPI 123Pay or UPI Lite?
- Answer: UPI 123Pay (for feature phones) and UPI Lite have lower transaction limits and are governed by their specific rules. E.g. UPI 123Pay has a per-transaction cap around ₹10,000 for many payments. Cashfree+1
Conclusion
UPI is becoming more powerful and flexible — especially for higher value transactions. If you often make payments for insurance, education, or investments, these new rules from 15 September 2025 will make things easier. Just make sure:
- You are using a verified merchant / merchant category
- Your app or bank acknowledges the new limits
- Your account and usage fulfill any bank / NPCI verification requirements